PayPal

Currently, I am using PayPal, and it's working fine somehow. My business is an online job board to hire remote workers. It was built on October 11, 2022. I got my first paying user just this week and that person paid through Paypal for a premium job listing worth $75. My target customers are from the US.

I'm currently based in the Philippines and Stripe payments are not yet working in my country. Any suggestions on alternatives so I can put credit card payments on my site?

My current website is OnlineJobsPH.com , please advise.

Hi there, I am trying to figure out if it's worth creating a Braintree account to do subscription billing in my Shopify store. The goal is to have as little custom code as possible for the store but be able to do subscription billing services, we already have a PayPal business account, but from the looks of it, we can't use PayWhirl directly with Paypal.

Hi Folks,

I represent Showwcase, which is a network built for coders.

We're introducing a paywall for content creators on the platform to start accepting payments from their Followers for premium and unique content over and above the general free content. We are internally considering either Stripe or PayPal to handle this for us.

If we take the pricing out of the debate, what's the go-to choice when choosing which to integrate? Our current standpoint is that Paypal has wider consumer adoption, and since most creators are individuals, it makes sense to just use Paypal because they already have an account. However, our business uses Stripe, and so it makes it easier if both the platform (Showwcase) and creators to be on the Stripe platform. That being said, if creators don't already have an account, they will need to sign up with Stripe on the spot, which is a friction point.

I would like to hear the pros and cons in developer environments as well as any other things we might not know.

We use GoCardless to simplify the way clients and partners pay for our services. What intrigued us is the quick and easy ACH feature that gives our clients the option to log in with their bank account and shoot the funds directly to our account. The fee, compared to Stripe is less. Stripe and PayPal charge 2.9% + 30c and Stripe also forces the client to enter in all of their payment details manually and then if the payment doesn't work, the client has to try all over again. GoCardless charges 1% + 25c which is much more reasonable dealing with the large projects that we are currently working on.

We integrate GoCardless with Xero to easily send out quick invoices, receive the funds and track all revenue in one place.

Dear StackShare Community,

I am seeking inspiration on creating a billing & subscription stack and came across this wonderful website and community.

From what I understood so far, I need something like Stripe or Braintree to collect payments without dealing with PCI compliance or setting up merchant accounts, etc... Additionally, services like Chargebee, Recurly, Chargify, etc. are said to make life easier when dealing with recurring billing.

Stated below, I've tried to give you some context on what I want to achieve. I am very curious about your ideas and how you'd configure an optimal stack.

Project context (very high level):

• Loyalty program for local merchants (stores, restaurants,...).

• Customers support their community and merchants by shopping local.

• Merchants grant points to customers based on a customer's value spent in a store, restaurant, etc.

• Customers can redeem their points at any participating merchant.

Billing / Subscription scenarios to be considered:

(affecting merchants only)

One-time setup fee

• What: Merchant pays a setup fee by signing up for the service

• Where: Order placed on the website

Monthly retainer fee

• What: Merchant pays a monthly recurring retainer for the service.

• Where: Order placed on the website

Manually initiated payment

• What: Merchant initiates a payment to top up his virtual points wallet. E.g. pays 100 USD to top up 100000 points which then can be used by the merchant for granting points to customers.

• Why: Points issued to members need to be paid for by the merchant. We first considered billing the merchants post-ante, e.g. monthly based on the points they've granted to their customers in the last 30 days, but this seems too risky: If they can't / won't pay we'd still have to pay out points to the customers (technically to the merchants where the customers redeem their points). Thus, the pragmatic idea to reduce risk by having the merchants to pre-pay for their points by topping up their balance.

• Where: Web application (with the merchant logged in)

• Nice to have: Opt-in for automatically initiated top-ups if a merchant's balance falls below a certain amount.

Invoicing

• What: After every transaction (setup, retainer, top-up,...), we need to automatically issue and send (E-Mail) an invoice to the merchant.

• Nice to have: Customer portal with all their invoices.

Other potentially relevant parameters

• Currency: Only Euro

• Country: Only Germany (so far)

• Tax: Only one tax rate

• Payment for setup & retainer: Credit Card; ideally SEPA Direct Debit (but that still causes headache due to the SEPA regulatory and risk of chargebacks still after weeks), PayPal?

• Payment for top-up: Same as above plus any other that makes sense (Klarna, Sofort, PayPal...)

Again, thank you very much for sharing your ideas and thoughts! I'd highly appreciate any input :-)

Which one is recommended to develop an app like Stripe or PayPal?